NRMA Insurance after Not at Fault Accident

LWt133 on 09/02/2021 - 21:19
Last edited 10/02/2021 - 09:38 by 1 other user

Last year I had a not at fault car accident. I was involved in a pile up with several other cars. I have proof that I stopped at a safe distance however my car was pushed to the one I front of me.

Fast forward to this year when I get my renewal with NRMA I find out that it’s increased by around $100. I called them and found out the increase is because after the accident I called NRMA and made the claim with them. Apparently I should have spoke to the insurance company of the other party behind me.

Is this the usual process that not at fault drivers get penalised? BTW the car that hit into me was also insured with NRMA.

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  Ryanek on 09/02/2021 - 21:30

  +13

  You're not liable for that crash, but there are some insurance companies that raise premiums regardless of whether you're at fault or not.

  There's no loyalty when it comes to insurance, I suggest you just take your business else where.

• 

  Bisah1342 on 09/02/2021 - 21:46

  +4

  Hey, i worked in insurance for 5 years. some quick facts (succinct as possible);

  Insurance is reviewed on "risk factors" - i.e claims in your area, ALL your claims fault or not, crime rates in the area i.e house insurance.

  It is also indexed - even though it probably doesn't need to be - it still is. Sometimes wayyy above CPI.

  At best, you can get a 5-20% discount by ringing up and negotiating, try it. sometimes we didnt even know why someone's insurance went up by 500. call every time.

  Most of the people you speak to on the phone have no fcking idea why the price is what it is - it is almost ALWAYS computer generated, FYI.

  Could go more in depth, but kind of cbf haha,

  Always call every time your renewal comes around and shop around as much as possible - loyalty means (profanity) all except for when you're at claim time and SOME insurers might take that into consideration - usually they don't care.

  • 

    [Deactivated] on 09/02/2021 - 22:26

    Insurance is reviewed on "risk factors" - i.e claims in your area, ALL your claims fault or not, crime rates in the area i.e house insurance.

    And those "risk factors" are secrets that you'll never tell the enquiring customer. Which means they could be coin flips for all we know.

    Hard to trust the car insurance industry when they raise premiums but refuse, when questioned, to explain why.

    • 

      Bisah1342 on 09/02/2021 - 22:37

      i agree! but like i said, the call centre folk have BARELY an idea too. it's all fcked from the top to bottom hahahaha.

      always compare, never be loyal

    • 

      KMeister on 13/02/2021 - 21:36

      -1

      That's the nature of any insurance business. They always calculate risk and adjust their business process. It's not a coin flip, Actuarial Science is not something you can explain over a phone conversation.

      • 

        [Deactivated] on 13/02/2021 - 22:38

        Actuarial Science is not something you can explain over a phone conversation.

        It's also not something you have to hide and keep secret… unless it is fundamentally dishonest.

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  Drakesy on 09/02/2021 - 23:00

  +1

  I churn my car insurances almost as often as my credit cards.
  Every year there's usually some $100 gift card offer to change from one to the other, this works out to ~30% rebate on my insurance. Churn and burn, loyalty is dead.

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  [Deactivated] on 10/02/2021 - 07:25

  +3

  They seem to have changed their questions from 'have you been in any not at fault accidents in past X years' to ' have you been involved in an accident in the past X years'.
  All insurance are bastards, just get a new quote from the big providers and take the cheapest that covers your needs.

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  Wt133 on 10/02/2021 - 22:56

  I have called around to other companies I was surprised because budget direct while seeming to be quite good initially ended up to be more than the Nrma renewal 1200 ish vs 1300. I have called around to others and they all seem to be kind of worse than Nrma. Since it’s a relatively new car I prefer a set agreed value of the car but every one I’ve asked about values the car a few thousand less than NRMA.